<p>I really wanted D to be able to use the ATM in the Lulu (student center), which was B of A. We have Citibank and just set up an automatic transfer monthly to a B of A account. So she can get cash or use the card as a debit card for things that she pays for (movies, froyo, etc). For expenses that we pay for (eg books) she just uses our credit card. No issues w B of A, but not a lot of demands either.</p>